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Fidelity Viewpoints ®

Inside Out February 2015

Seismic market shifts and you

What the big changes underlying the markets may mean for investors in the future.

Retirement countdown

Five key questions to ask yourself—and answer—about five years before retirement.

Insure your paycheck

Make the most of disability coverage, an important and often misunderstood insurance.

Looking for income

Consider high-dividend-yielding stocks, preferreds, convertibles, and REITs.

Market and Economic Insights

A year of wow

There may be a lot of changes that will surprise people in 2015. Expect the unexpected.

See all Market and Economic Insights articles

Feb. market update

Higher market volatility this year, oil winners and losers, foreign currency in flux.

Investing Ideas

REITs may do well

Despite a solid run in 2014, REIT values remain reasonable and fundamentals are strong.

See all Investing Ideas articles

Consumer revolution

Customers begin to expect more choice, service, and better conduct from companies.


Save just 1% more

Increasing your savings by just 1% more now could mean living the retirement you want.

See all Retirement articles

Retiring retirement?

As people live longer, retirement needs to be redefined. An expert on aging explains.

Personal Finance

How to pay off debt

Paying off debt is important. Here are tips on what to pay off first, and why.

See all Personal Finance articles

Tips on a windfall

Resist spending, take your time, talk to experts and your family, then set priorities.

Active Trader

5 preferred screens

New preferred stock ideas for the income seeker in search of yield, growth, and more.

See all Active Trader articles

Are stocks strong?

ADX is a technical indicator that can help you assess the strength of stocks right now.

NEW: Winter 2015 Edition

  • In the Money: Fall 2014

    Check out In the Money, a new publication for more investing ideas and strategies.

Mutual fund performance (PDF)

Returns for Fidelity funds and 529 college savings plans.
Before investing, consider the investment objectives, risks, charges, and expenses of the fund, exchange-traded fund, or annuity and its investment options. Call or write to Fidelity or visit Fidelity.com for a free prospectus and, if available for the options, a prospectus or summary prospectus containing this information. Read it carefully.
ETFs are subject to market fluctuation and the risks of their underlying investments. ETFs are subject to management fees and other expenses.

Past performance is no guarantee of future results.

Options trading entails significant risk and is not appropriate for all investors. Certain complex options strategies carry additional risk. Prior to trading options, please read Characteristics and Risks of Standardized Options, and call 800-343-3548 to be approved for options trading.  Supporting documentation for any claims, if applicable, will be furnished upon request.
There are additional costs associated with option strategies that call for multiple purchases and sales of options, such as spreads, straddles, and collars, as compared to a single option trade.

Investing involves risk, including risk of loss.

Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments.

In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.)  Fixed income securities also carry inflation risk, liquidity risk, call risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible.

Diversification cannot ensure a profit or protect against loss.
Fidelity does not provide legal or tax advice and the information provided above is general in nature and should not be considered legal or tax advice. Consult with an attorney or tax professional regarding your specific legal or tax situation.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917